BEAUSOLEIL FIRST NATION SECTION 95 HOUSING POLICY

BEAUSOLEIL FIRST NATION SECTION 95 HOUSING POLICY

Table of Contents SECTION I INTRODUCTION, DEFINITIONS, POLICY ADMINISTRATION... 1 1.0 Statement of Purpose... 1 2.0 Background on the Section 95 Housing Program... 1 3.0 Definitions... 2 4.0 Policy Objectives... 3 5.0 Policy Administration... 4 6.0 Amendments to the Housing Policy... 4 SECTION II ROLES AND RESPONSIBILITIES, APPEALS... 6 7.0 Roles and Responsibilities... 6 SECTION III ELIGIBILITY CRITERIA, APPLICATION AND APPROVAL... 7 8.0 Eligibility Criteria... 7 9.0 Application Process... 8 10.0 Housing Needs Assessment Priority for Section 95 Housing... 10 11.0 Tenant Selection and Offering of a Section 95 Unit... 10 SECTION IV SECTION 95 AGREEMENT, SECURITY DEPOSIT, AUTHORIZED OCCUPANTS, PROBATIONARY PERIOD, TENANT COUNSELLING... 12 12.0 Section 95 Agreement... 12 13.0 Turnkey - Responsibilities Prior to Occupancy... 12 14.0 Security Deposit... 13 15.0 Authorized Occupants and Guests... 13 16.0 Probationary Period... 14 17.0 Tenant Counselling... 15 SECTION V RENT PAYMENTS, DEFAULT PROCESS, REPAYMENT AGREEMENT,TERMINATION OF TENANCY... 16 18.0 Rent Payments and Other Housing Charges... 16 19.0 Rent Collection... 17 20.0 Repayment Agreement... 19 21.0 Termination of Tenancy by the Tenant... 20 22.0 Termination of Tenancy by Beausoleil First Nation... 20 Page i

SECTION VI MOVES BETWEEN UNITS, INSURANCE, ACCESS TO THE UNIT... 24 23.0 Moves Between Section 95 Units... 24 24.0 Insurance... 25 25.0 Access to the Unit... 25 SECTION VII MAINTENANCE, REPAIRS, ALTERATIONS, INSPECTIONS... 26 26.0 Maintenance, Repairs and Renovations... 26 27.0 Alterations, Additions or Improvements by the Tenant... 29 28.0 Inspections... 30 SECTION VIII TENANT DAMAGE, USE OF THE UNIT, SUBLETTING... 34 29.0 Tenant Damage... 34 30.0 Use of the Unit and Property... 35 31.0 Subletting... 35 SECTION IX ABSENCE FROM THE UNIT, ABANDONED UNIT... 37 32.0 Temporary or Indefinite Absence from the Unit by the Tenant... 37 33.0 Abandoned Unit... 38 SECTION X REACQUIRED UNIT, EXPIRY OF THE LOAN TERM... 42 34.0 Reacquired Unit... 42 35.0 Expiry of the Loan Term... 42 SECTION XI EXERCISING THE OPTION TO PURCHASE, CERTIFICATE OF POSSESSION, SALE OF THE UNIT BY THE HOMEOWNER... 43 36.0 Exercising the Option to Purchase... 43 37.0 Certificate of Possession... 44 38.0 Sale of the Unit by the Homeowner... 45 SECTION XII MARITAL BREAKDOWN, DEATH OF A TENANT... 46 39.0 Marital Breakdown... 46 40.0 Death of a Tenant... 46 APPENDIX B APPLICATION FOR SECTION 95 HOUSING... 48 APPENDIX C AFFORDABILITY ANALYSIS... 49 APPENDIX D SECTION 95 HOUSING NEEDS ASSESSMENT... 52 APPENDIX E SECTION 95 AGREEMENT... 54 APPENDIX F REPAYMENT AGREEMENT... 55 APPENDIX G NOTICE FROM THE TENANT TO PERMANENTLY VACATE THE UNIT... 56 Page ii

APPENDIX H NOTICE OF TERMINATION OF TENANCY FROM BEAUSOLEIL FIRST NATION... 57 APPENDIX I - UNIT CONDITION REPORT... 58 APPENDIX J NOTICE TO ACCESS THE PREMISES... 61 APPENDIX K NOTICE OF TENANT DAMAGE... 62 APPENDIX L - NOTICE OF A PLANNED ABSENCE BY THE TENANT... 63 APPENDIX M REQUEST TO EXERCISE THE OPTION TO PURCHASE... 64 Page iii

SECTION I INTRODUCTION, DEFINITIONS, POLICY ADMINISTRATION 1.0 Statement of Purpose It is the intention of the Council and the Housing Committee to accommodate the housing needs of our members in accordance with the Beausoleil First Nation Section 95 housing program and subject to the availability of accommodation and funds. Council's mandate is to ensure First Nation members have equal access to affordable housing and to establish criteria that all the members must follow. The Section 95 housing program policy ensures that housing is made available in a fair and equitable manner. Chief and Council have approved this policy to guide the delivery and administration of Beausoleil First Nation Section 95 housing. 2.0 Background on the Section 95 Housing Program The Section 95 housing program provides rental accommodation in single detached homes and in a four unit apartment complex for Elders. The Section 95 program also includes a rent-to-own option for some units; the rent-to-own option is intended to assist Beausoleil First Nation members who are not in a position to purchase or build their own home but can reasonably be expected to assume full responsibility for costs and upkeep of the home by the end of the Section 95 agreement period. Under this program, the First Nation member occupies the unit as a tenant and shall sign a Section 95 agreement with Beausoleil First Nation. For units with a rent-to-own option, at the end of the agreement period if the tenant has met the terms and conditions of the agreement, Beausoleil First Nation shall transfer the Certificate of Possession of the unit to the tenant. Beausoleil First Nation constructs these units through Canada Mortgage & Housing Corporation s (CMHC) Section 95 housing program. Beausoleil First Nation and CMHC partner to secure a loan (mortgage) for the construction of the home. Aboriginal Affairs and Northern Development Canada (AANDC)provides a Ministerial Loan Guarantee for loan security. Beausoleil First Nation enters into an operating agreement with CMHC; under this agreement CMHC provides Beausoleil First Nation with a monthly subsidy to assist with mortgage repayment and on-going operating costs of these units (e.g. maintenance, repairs, insurance) until the mortgage is paid in full. In return Beausoleil First Nation is responsible to make monthly payments to repay the loan. If Beausoleil First Nation does not repay the loan as agreed, the outstanding balance is paid out to the bank by AANDC who will then require repayment from Beausoleil First Nation. Page 1

Tenants pay rent to help cover the ongoing unit operating costs. Beausoleil First Nation provides funds from their own source revenues to cover the difference between the CMHC subsidy and rental revenue from the tenant. 3.0 Definitions - AANDC means Aboriginal Affairs and Northern Development Canada (formerly known as Indian and Northern Affairs Canada). - Applicant or applicants refers to the person(s) applying for assistance through this program. - Arrears refers to housing related-payments owed to Beausoleil First Nation by a person who has entered into agreement with Beausoleil First Nation and has failed to pay as agreed. Beausoleil First Nation refers to Beausoleil First Nation or Christian Island Indian Reserve 30 and 30A. - CMHC means Canada Mortgage and Housing Corporation. - CMHC Operating Agreement or Operating Agreement means the legal contract between CMHC and Beausoleil First Nation signed as a condition of receiving assistance under the Section 95 housing program. The agreement sets out the terms of the relationship between CMHC and Beausoleil First Nation and confirms requirements for managing the units, funding a replacement reserve, etc. - Community or the community refers to Beausoleil First Nation. - Council refers to the Beausoleil First Nation Chief and Council. - Dependant refers to an individual who is under 18 years of age and normally living in the family home. - Due diligence means to take reasonable care to confirm all of the facts and investigate all relevant aspects of an action before moving forward (e.g. eviction). - Eviction refers to the legal action taken by Beausoleil First Nation to remove a tenant from a Beausoleil Section 95 unit for failing to honour the conditions of their Section 95 agreement. - First Nation Council Resolution refers to a written resolution of Chief and Council adopted at a duly convened meeting of the Council. - Guest refers to any person not listed on the Section 95 agreement as an approved other occupant of the Section 95 unit. - Health and safety standards means the minimum requirements for housing that are related to public health as defined in the Ontario Public Health Standards and safety and structural efficiency as defined in the National Building Code. - Household refers to all authorized occupants living in the Section 95 unit. - Housing Committee or Committee refers to the committee established by Council to oversee implementation of the housing program, adherence to the housing policy and, the selection and recommendation of applications for the Section 95 program. Page 2

- Housing department refers to the Beausoleil First Nation administrative body responsible for all housing matters in which Beausoleil First Nation has an interest in and delivers to the community members or acts as agent for the delivery and management of such programs as may be available from time to time. - Housing Manager refers to the person hired by Council to assist Council in ensuring that all housing policy management plans are implemented and operational. The housing manager shall manage the day-to-day operations, oversee the financial management of the housing program and shall report to Council, when and as requested. - Member refers to a member of the Beausoleil First Nation whose name appears on the First Nation membership list. - Ministerial Loan Guarantee means a guarantee provided by Beausoleil First Nation which is used as security for a bank loan (mortgage). - Qualifying member or qualifying applicant refers to a member or applicant who meets the eligibility criteria for housing as confirmed within this housing policy, - Rent refers to the amount paid or required to be paid by a tenant to Beausoleil First Nation for the right to occupy a Beausoleil First Nation Section 95 unit. - Replacement reserve means the fund that is used for units funded through the Section 95 program to cover the cost of replacing capital items to ensure the units are kept at an acceptable standard. - Section 95 Section 95 agreement or agreement refers to a written agreement between Beausoleil First Nation, administered by the housing department, and a tenant for the right to occupy a Beausoleil First Nation Section 95 unit and any renewal of such an agreement. The Section 95 agreement is also known as The Beausoleil Housing Section 95 Agreement/Rental Purchase Agreement and the Beausoleil First Nation Agreement and the Rent-to-Own Agreement/25 Year Term. - Tenant refers to a person who enters into a Section 95 agreement with Beausoleil First Nation and who pays rent or is required to pay rent in return for the right to occupy a First Nation owned house. - Third Party Contract, for the purpose of this policy, refers to a contract between a tenant and a third party broker for utilities (e.g. Direct Energy). - Unit refers to the Beausoleil First Nation Section 95 unit occupied by the tenant. - Working days refers to every official working day of the week which include the days between and including Monday to Friday and exclude weekends and public holidays. Words used in the singular within this policy shall include the plural and vice versa. 4.0 Policy Objectives Page 3

4.1 The overall policy objective is to ensure First Nation members are provided with fair, consistent housing services with equal opportunity through the implementation of this housing policy. 4.2 Additional policy objectives are to: a) Address the need and demand for Section 95 housing by allocating Section 95 housing in a fair and equitable manner; and b) Protect and enhance Beausoleil First Nation investment in housing; and c) Protect and extend the life of Section 95 housing through the application and enforcement of maintenance, repair, inspection, and insurance policies; and d) Confirm the roles and responsibilities of all parties involved with Beausoleil First Nation Section 95 housing. 5.0 Policy Administration 5.1 This policy applies to: a) All existing and future Section 95 units located within Beausoleil First Nation; and b) All individuals who have made or shall make an application for Section 95 housing within the Beausoleil First Nation. 5.2 The housing department is responsible for the day-to-day administration and enforcement of all housing programs and services. 6.0 Amendments to the Housing Policy 6.1 The Housing Manager shall present proposed policy amendments to Council for approval. Council may consult with the housing department, the housing committee and/or Beausoleil First Nation members to discuss the nature of any proposed amendments. 6.2 Policy amendments approved by Council shall be recorded in the Council meeting minutes. Policy amendments take effect the date they are passed by motion and the decision of Council shall be final. 6.3 The revised policy, including the amendments, shall be available to members at the housing department office. Where the policy amendment is deemed to be a change that impacts the tenant, they shall be notified of the change through a separate written notice within 30 working days of policy approval. Where the policy amendment relates to a rent increase, the housing department shall notify Page 4

tenants in writing a minimum of 60 days prior to the effective date of the rental increase. 6.4 The housing department shall note the policy amendment on a policy amendment list in the format noted below. The policy amendment list shall precede the table of contents within the policy. Amendments are numbered consecutively on the policy amendment list by date of approval by Council until such a time that a new issue of the policy is released which contains all of the amendments listed. The reissued policy shall be identified by date and each reissue cancels and replaces all previous issues. 6.5 Policy Amendment List Amendment Number Approval Date Description Page 5

SECTION II ROLES AND RESPONSIBILITIES, APPEALS 7.0 Roles and Responsibilities 7.1 Members 7.1.1 As members of Beausoleil First Nation each person is encouraged to contribute their views on existing and future housing programs and services. 7.1.2 Members are encouraged to support implementation and enforcement of the housing policy approved by Chief and Council. 7.2 Chief and Council/Delegate 7.2.1 Chief and Council shall have the final decision-making authority for all housing program and services. 7.2.2 Council is responsible to: a) Manage and administer all Beausoleil First Nation housing policies; and b) Approve all budgets related to the delivery and administration of housing programs and services; and c) Approve all applications for Section 95 housing as recommended by the housing committee; and d) Ensure all housing programs and services are provided; and e) Approve changes in policy as recommended by the Housing Manager; and f) Support the enforcement of the housing policy; and g) Provide members with an annual report which summarizes the activities of Beausoleil First Nation housing programs and services. 7.3 Housing Committee 7.3.1 The housing committee shall be appointed by Council and be comprised of four (4) members and one (1) Council Ex-officio. 7.3.2 The housing committee shall review and recommend applications for Section 95 housing for approval by Council (a quorum is required). 7.3.3 The housing committee shall not be involved in the day-to-day delivery or administration of housing programs and services. 7.4 Appeals Committee Appeals will be brought to Chief & Council and Housing Committee as needed. Housing Committee will adhere to appeals 7.5 Housing Manager Housing Manager to enforce Housing Policy as approved by Chief & Council The key responsibilities of the housing manager are to: Page 6

a) Administer the Section 95 program by applying the program policy; and b) Review all applications for Section 95 housing to ensure completeness and eligibility; and c) Carry out or oversee maintenance, repairs and renovations as detailed in the Section 95 agreement that are the responsibility of the First Nation in a costeffective manner; and d) Monitor the effectiveness of the housing policy; and e) Recommend changes in policy as needed and review housing goals and priorities annually; and f) Prepare annual and other reports as required to Council on the activities of the housing manager; and g) Provide information and counselling for tenants who require assistance in understanding and assuming their housing responsibilities; and h) Maintain a log/summary of tenant counselling (phone calls, emails, correspondence, home visits) including date of contact and brief description of topic, at the front of the tenant file; and i) Plan and carry out community meetings on housing programs and services. 7.6 Tenant The key responsibilities of the tenant are to: a) Sign a Section 95 agreement and meet the conditions of the agreement which include, but are not limited to: making monthly rent payments, paying other housing charges as required, correcting tenant damage, keeping the unit and property free of health and safety hazards and complying with all fire and health and safety regulations; and b) Be responsible for snow removal; and c) Participate in move-in, move-out and other unit condition inspections/assessments as described in this housing policy; and d) Carry out maintenance and repairs as detailed in the Section 95 housing agreement and/or notify the housing manager of any required maintenance or repairs that are the responsibility of the; and e) Inform the housing manager of all planned absences from the unit; and f) Not interfere with or unreasonably disturb a neighboring occupant and not jeopardize the health or safety or lawful right of a neighboring occupant or the First Nation. SECTION III ELIGIBILITY CRITERIA, APPLICATION AND APPROVAL 8.0 Eligibility Criteria In order to be eligible for a Section 95 unit an applicant shall meet the following criteria: Page 7

a) An applicant shall be a registered member of Beausoleil First Nation or shall be employed by Beausoleil First Nation and b) An applicant shall be 19 years of age or older; and. c) An applicant shall complete an application for a Section 95 housing unit (refer to Appendix B); and. d) An applicant shall meet the family size required for the available unit; and e) An applicant shall not have turned down an offer of a Beausoleil First Nation Section 95 unit within the past 12 month period; and f) An applicant shall provide written verification of income for the applicant and coapplicant; verification can include a letter from the current employer or the most recent pay stub, EI or pension benefits statements, or Canada Revenue Agency notice of assessment); and g) An applicant with rental arrears and/or outstanding accounts to Beausoleil First Nation including money owing for repairs as a result of tenant damage/neglect is not eligible to apply for Section 95 housing until either: i. The rental arrears/outstanding accounts have been paid in full; or ii. The applicant has entered into a repayment agreement with Beausoleil First Nation and has paid the agreed upon monthly installments in full on the due date of the installments for a minimum of six consecutive months. h) An applicant who has abandoned a Beausoleil First Nation rental or Section 95 unit (left uninhabited for more than 30 days) is not eligible. 9.0 Application Process 9.1 Notice to Submit an Application (Unit Availability) 9.1.1 When a Section 95 unit becomes available, the housing department shall post a Section 95 unit availability notice confirming that applications for the unit shall be accepted by Beausoleil First Nation. The notice shall be posted in public buildings within Beausoleil First Nation, on the Chimnissing website (www.chimnissing.ca) and, an email shall be sent to the Beausoleil First Nation administrative network. 9.1.2 The notice shall confirm: a) The timeframe that an application will be accepted including the closing date and time; and b) How and where an application will be received (i.e. by mail and/or to Beausoleil First Nation administrative office reception desk during working hours). 9.1.3 An application shall be considered only for the posted Section 95 unit. Where an applicant is not offered the Section 95 unit for which they applied or where an applicant is interested in another Section 95 unit, a Page 8

new application must be submitted within the time frames of the Section 95 unit availability notice. 9.2 Completing an Application 9.2.1 An interested applicant shall submit a completed application for a Section 95 unit (refer to Appendix B for a copy of the application). 9.2.2 As part of completing the application, an applicant shall also provide: a) Where the applicant has previously rented/leased accommodation, a letter of reference from the applicants most recent landlord that confirms whether the applicant has complied with the Section 95 agreement. Where a formal Section 95 agreement is not in place, the applicant can supply a reference with which the housing manager can confirm the applicant s history of managing the financial and physical responsibilities of occupying a unit as a tenant. An applicant/co-applicant with a history of non-compliance shall not be eligible; and b) An applicant shall provide a copy of their most recent hydro/utility bill to confirm an account in good standing (where an applicant has been responsible for payment of hydro/utility bills at any time during the most recent four year period). 9.3 Affordability Analysis As part of the application process, the applicant may be required to meet with the housing manager to complete an affordability analysis (refer to Appendix C) in order to confirm their ability to manage the monthly rental payments and other housing charges. 9.4 Submitting an Application 9.4.1 A completed application shall be submitted in a sealed envelope addressed To the attention of the Housing Committee and Housing Manager in care of the Beausoleil Housing Department. The applicant s name and current mailing address shall be included on the envelope. 9.4.2 An application is to be submitted by mail or by hand to the Beausoleil First Nation Administration office reception desk. 9.4.3 An application received after the closing date and time as confirmed in the notice shall be returned unopened to the applicant. 9.5 Receipt and Review of an Application 9.5.1 An application shall be received at the administrative office, dated and time stamped and initialed by reception on the date of receipt and placed with all other applications received on that date into a sealed envelope with a copy of the Section 95 unit posting. The sealed envelope shall be passed to the housing manager. Page 9

9.5.2 Within five (5) days of receipt of the application, the housing manager shall review the application to: a) Confirm the application is complete and includes all of the required information; and b) Confirm eligibility according to the housing policy; and c) Contact the applicant to confirm or comment on eligibility; and d) Contact all references provided (i.e. landlord, hydro/utility services, Beausoleil finance) to confirm eligibility. 9.5.3 Where the application is incomplete the housing manager shall contact the applicant to confirm the information required to complete the application and shall confirm the deadline for the applicant to provide the missing information. An incomplete application shall be considered inactive until the applicant provides the missing information. 9.5.4 The housing manager shall keep a written record of the application review and the reasons for acceptance or rejection based on eligibility and completeness of the application. 9.5.5 The housing manager shall maintain the application in a secure location with access only by authorized representatives of Beausoleil First Nation. 9.6 Disposal of an Application Where an applicant is not offered the Section 95 unit for which they applied the application shall be kept in a secure location for 5 years. After 5 years, the housing manager shall arrange for the application to be disposed of in a secure manner (e.g. shredding) but shall indefinitely retain the housing needs assessment form as a record of the applicant s interest in obtaining a Section 95 unit. 10.0 Housing Needs Assessment Priority for Section 95 Housing 10.1 All eligible applicants shall be subject to a housing needs assessment to determine priority for Section 95 housing within the group of applicants for the available unit(s). Priority is determined based on consideration of family size, current living conditions and other priorities as approved by Council. 10.2 The housing manager shall complete a housing needs assessment for all eligible applicants. Refer to Appendix D for a copy of the housing needs assessment. 10.3 References to be verified by the Housing Department. 11.0 Tenant Selection and Offering of a Section 95 Unit Page 10

11.1 Tenant Selection 11.1.1 After the posted deadline, the housing manager shall schedule a meeting with the housing committee to select a tenant(s) for the available unit(s). The housing manager shall submit the eligible applications and supporting housing needs assessments to the housing committee for review. The housing committee shall review the information and identify their recommendations for tenant selection. If in the opinion of the housing committee, the priority rating and all other eligibility criteria are confirmed to be equal such applications shall be subject to a draw to select the successful application. The housing manager shall submit the recommendations to Council for approval. 11.2 Offering of a Section 95 Unit 11.2.1 After Council has confirmed approval of the Committee recommendations, the housing manager shall contact the applicant by phone and in writing, using the contact information provided in the application, within five (5) working days of being selected for a unit. 11.2.2 The applicant shall have five (5) working days to confirm acceptance of the unit and to make arrangements for an in-person meeting with the housing manager to sign the required documentation. Failure by the applicant to confirm acceptance within 5 days shall result in the application being cancelled. 11.3 Applicants Not Offered a Section 95 Unit The housing manager shall contact all applicants by way of letter who were not offered the Section 95 unit. Page 11

SECTION IV SECTION 95 AGREEMENT, SECURITY DEPOSIT, AUTHORIZED OCCUPANTS, PROBATIONARY PERIOD, TENANT COUNSELLING 12.0 Section 95 Agreement 12.1 Section 95 Agreement 12.1.1 The Section 95 agreement (the agreement) is administered according to the terms outlined in the Section 95 agreement, this housing policy and the applicable Beausoleil First Nation laws and regulations. 12.1.2 Where there is an applicant and a co-applicant both shall sign the Section 95 agreement and the rights and obligations of the Section 95 agreement shall be applicable to both. 12.1.3 The agreement shall be for a fixed term tenancy. The agreement shall be renewed annually. 12.2 Signing of the Section 95 Agreement 12.2.1 After the application for Section 95 housing has been approved and, prior to occupancy, the housing manager shall complete an in-person meeting with the tenant to explain all aspects of the Section 95 housing program and the Section 95 agreement. The housing manager shall review the responsibilities of Beausoleil First Nation, all rules imposed on the tenant, charges payable by the tenant and, consequences for breach of the Section 95 agreement and/or the housing policy. A record of this meeting shall be made and signed by both the housing department and the tenant; a copy shall be provided to the tenant and the original retained on the tenant file. 12.2.2 Two copies of the Section 95 agreement shall be signed and each page initialed by both the housing manager and the tenant prior to the tenant taking occupancy of the unit. 12.2.3 As a condition of signing the Section 95 agreement, the applicant shall provide to the housing manager payment of the first month s rent and last month s rent. 13.0 Turnkey - Responsibilities Prior to Occupancy 13.1 Housing Department Responsibilities Prior to turnkey (the housing department turns the key over to the tenant), the housing department is responsible to: Page 12

a) Ensure that the Section 95 unit is in move-in condition (in a clean condition without outstanding repairs or maintenance); and b) Complete a move-in inspection with the tenant; and c) Meet with the tenant to review and sign the Section 95 agreement and provide a copy of the Section 95 agreement; and d) Meet with the tenant to review roles and responsibilities, provide information on the requirements for monthly rent payments (e.g. method of payment, available tenant counselling and support, collection policy, consequences for non-payment); and e) Provide a copy of the Section 95 housing tenant handbook and any by-laws, Beausoleil First Nation rules and regulations that relate to the unit; and f) For a tenant in receipt of social assistance benefits, confirm the process to have the shelter allowance transferred to cover the monthly rent payment. 13.2 Tenant Responsibilities Prior to turnkey the tenant is responsible to: a) Pay first and last month s rent; and b) Establish a hydro account in their name and provide the housing department with the account number; and c) Complete a move-in inspection with the housing department; and d) Meet with the housing department to review and sign the Section 95 agreement; and e) Where a tenant is in receipt of Beausoleil First Nation social assistance benefits, confirm that the required forms have been submitted to transfer the shelter allowance to cover the rent payment. 14.0 Security Deposit 14.1 The tenant shall pay a $500 security deposit to Beausoleil First Nation. There is flexibility to pay the amount in full. The security deposit shall be held against possible debt or damage that may be caused during the tenancy. 14.2 On termination of the Section 95 agreement, the security deposit, less any costs incurred by Beausoleil First Nation related to loss of rental income or willful damage or neglect by the tenant, their guests, or their pets shall be reimbursed to the tenant by cheque within 30 days of termination of the Section 95 agreement. 15.0 Authorized Occupants and Guests 15.1 Authorized Occupants Page 13

15.1.1 Only occupants listed in the Section 95 agreement (listed under other occupants ) signed by the tenant and the housing manager are authorized to occupy the unit. 15.1.2 The tenant shall provide verification of household composition (number of persons occupying the Section 95 unit) when requested to do so by the housing department. 15.1.3 Where the tenant wishes to have an additional occupant who is not listed in the Section 95 agreement live permanently in the unit they shall make a written request to the housing department. The request shall provide detail on the additional person including age and gender. Submission of such a request does not guarantee approval. 15.1.4 Where the tenant fails to request approval from the housing manager to allow an additional occupant, or, where the housing manager has denied the request and the tenant permits an unauthorized occupant to remain in the unit, this shall be a breach of the Section 95 agreement and the housing department reserves the right to terminate the agreement and have the tenant and all occupants vacate the premises. 15.2 Guests 15.2.1 A tenant shall be permitted to allow a guest (a person who is not listed in the Section 95 agreement) to occupy the unit on a temporary basis of a period not to exceed 30 consecutive days. 15.2.2 Where the tenant wishes for the guest to remain longer than 30 consecutive days, the tenant shall submit a written request to the housing manager requesting approval to do so. The following shall apply: a) Where the housing manager approves the request the additional period of temporary occupancy by the guest shall be confirmed in writing by the housing manager and this period shall not be exceeded. The tenant shall be responsible for the conduct of their guest which must be in accordance with the terms of the Section 95 agreement and this housing policy; and/or b) Where the housing manager denies the request they shall notify the tenant in writing and the authorized occupants section of this housing policy shall apply. 16.0 Probationary Period 16.1 The first six (6) months of tenancy shall be a probationary period for the tenant. The purpose of the probationary period is to confirm that the tenant is able to carry out the responsibilities of their Section 95 agreement. The housing department shall be available to meet with the tenant to discuss any concerns or issues at any time during this period. Page 14

16.2 The housing manager shall contact the tenant by phone within four (4) weeks of move-in and offer to meet with the tenant. This purpose of the meeting shall be to provide an opportunity to discuss any issues or concerns. 16.3 Where a tenant with rental arrears and/or outstanding accounts was offered a Section 95 unit subject to a repayment agreement with Beausoleil First Nation as described within this policy, the first twelve (12) months of tenancy shall be a probationary period for that tenant. Should the tenant, at any time, fail to pay the agreed upon monthly installments of the repayment agreement in full and on time during this period, Beausoleil First Nation may terminate tenancy as described within this policy. 16.4 The housing manager shall review the tenant file at least 30 days before the end of the probationary period and may arrange for telephone or an in-person interview with the tenant to review the responsibilities of Beausoleil First Nation and the tenant and to respond to tenant questions or concerns. 16.5 At any time during and/or at the end of the probationary period, where the tenant has not lived up to the obligations of the Section 95 agreement, Beausoleil First Nation may terminate tenancy as described within this policy. 17.0 Tenant Counselling 17.1 The tenant may request a meeting with the housing manager at any time to discuss the roles and responsibilities of the housing department and the tenant, to review the Section 95 agreement and the housing policy, and/or to review housing issues or concerns. 17.2 The housing manager shall arrange a meeting with the tenant annually or on an asneeded basis to discuss the roles and responsibilities of the First Nation and the tenant, to review the Section 95 agreement and the housing policy, and/or to review housing issues or concerns. The housing manager shall provide a 14 day advance written notice to the tenant requesting a meeting at a mutually agreeable date, time and location and confirming the reason for the meeting. 17.3 The housing manager shall maintain a log/summary of tenant counselling (phone calls, emails, correspondence, home visits) including date of contact and brief description of topic, at the front of the tenant file. Page 15

SECTION V RENT PAYMENTS, DEFAULT PROCESS, REPAYMENT AGREEMENT,TERMINATION OF TENANCY 18.0 Rent Payments and Other Housing Charges 18.1 Rental Rates The rent shall be the lower end of market (LEM) rental rate or the minimum revenue contribution (MRC) rental rate in accordance with the CMHC Operating Agreement. Where CMHC notifies the First Nation of a change to the LEM or the MRC, the First Nation shall provide notice of a rent increase to the tenant as noted within this policy. The rental rates are available from the housing department. 18.2 Rent Payments 18.2.1 Rent is due to be paid by the tenant to Beausoleil First Nation on the first day of each month. 18.2.2 The housing manager shall, on an annual basis, provide the tenant with a written statement of account confirming rent payments received and/or payable for the previous calendar year. 18.3 Rent Increases 18.3.1 There shall be no rent increase during the first year of a Section 95 agreement. 18.3.2 The housing manager shall give the tenant written notice of a rent payment increase at least sixty (60) days prior to the effective date of the increase. 18.3.3 Subsidy Calculation 18.4 Methods of Rent Payment 18.4.1 Cash, Money Order, Personal Cheque Rent payments made by money order or personal cheque are to be made payable to Beausoleil First Nation. If a payment is made by personal cheque and is returned by the bank as non-sufficient funds (NSF) two times, cheques shall no longer be an acceptable method of payment for that tenant. Where Beausoleil First Nation is charged a fee for the NSF cheque, the amount of that fee shall be charged to the tenant s Section 95 account so that Beausoleil recovers this cost. Cash payments are to be made to the Beausoleil First Nation finance department. A receipt shall be issued for all transactions. 18.4.2 Payroll Deduction Where a tenant is an employee of Beausoleil First Nation, either fulltime, part-time, contract and/or seasonal, the tenant may enter into a Page 16

payroll deduction agreement with Beausoleil First Nation to have their rent payment deducted from their pay. Monies deducted from payroll on behalf of a tenant for rent are detailed on each payroll direct deposit slip and shall be posted to the tenant s account. 18.4.3 Social Assistance Ontario Works Where a tenant is eligible to receive social assistance through the Beausoleil First Nation Ontario Works Program the tenant is responsible to complete the necessary forms and obtain approval through the Beausoleil First Nation social services department. The tenant is responsible to submit rent payment information to social services on a month-to-month basis or as required. 18.5 Other Housing Charges A tenant is responsible to pay all charges for hydro/electricity/heat, telephone, cable and other services or any other amenities to which the tenant may subscribe or install, unless otherwise indicated in the Section 95 agreement. Beausoleil First Nation is not responsible for any unpaid or terminated services. 19.0 Rent Collection 19.1 Rent Collection Policy Objectives The objectives of the collection policy are to: a) Offer early support and guidance to tenants; and b) Monitor arrears and maintain early intervention mechanisms to respond to arrears; and c) Take appropriate action to eliminate/reduce rent arrears. 19.2 Account in Arrears Rent is due to be paid by the tenant to Beausoleil First Nation monthly on the first day of each month on a business day, if the 1 st falls on the weekend. If rent is not paid on the first day of the month the rent shall be considered in arrears unless the rent payment is being made by payroll deduction (i.e. paid bi-weekly) or through social services. 19.3 Collection Process 19.3.1 First Notice - A first notice shall be sent to the tenant on the 5th working day of the first month the payment is missed. The notice shall remind the tenant that the account is in arrears and that they must pay the rent arrears in full or meet with housing department and enter into a written agreement to repay the arrears over a mutually agreed upon amount of time. The notice shall include confirmation of the consequences of failing to pay the arrears or enter into a repayment agreement (refer to Page 17

Appendix F). In an effort to resolve the arrears, the housing department shall also make every effort to contact the tenant by telephone at least once within the first week after the first notice is mailed. 19.3.2 Second Notice If, on the 15 th working day of the first month the account is still in arrears and the tenant has not entered into a repayment agreement, a second notice shall be sent to the tenant with the same information as contained in the first notice. The housing department shall make every effort to contact the tenant by telephone in an effort to resolve the arrears situation. Where housing department is aware of Beausoleil First Nation resources/support that may assist the tenant in resolving the arrears, the housing department will advise the tenant and will offer to arrange for a meeting between the tenant and the resource/support. 19.3.3 Third Notice - If on the first day of the following month the tenant has neither paid the arrears in full nor entered into a repayment agreement, a third written notice shall be sent on the 2 nd working day of that month (i.e. if the payment due on March 1st was not made and the payment due April 1 st was not made, then the third notice shall be sent on April 2 nd or the next working day). The notice shall confirm the tenant has 10 working days to pay the arrears in full or to meet with housing department and enter into a written repayment agreement. The notice shall confirm that failing to repay the arrears in full/enter into a repayment agreement shall result in Beausoleil First Nation issuing a notice to terminate tenancy (eviction) as a result of the breach of the Section 95 agreement. The housing department shall also make every effort to contact the tenant by telephone at least once within the first week after the third notice is mailed. Where the tenant meets with the housing manager, the housing manager will identify options available to the tenant to resolve the arrears. Where the housing manager is aware of First Nation resources or support from external agencies that may assist the tenant in resolving the arrears, the housing manager shall advise the tenant and shall offer to speak to the department/external agency on behalf of the tenant. Where the tenant agrees, the tenant shall sign a waiver authorizing the housing manager to share information related to the tenant s account/default. If, at the end of the notice period included in the third notice, the tenant has neither paid the arrears in full nor entered into a written repayment agreement to repay the arrears, the fourth and final notice (14 day notice to terminate tenancy) shall be issued to the tenant. Refer to the policy item related to Termination of Tenancy. 19.3.4 Fourth and Final Notice - 14 day notice to terminate tenancy/eviction. If by the 12 th working day of the second month the tenant has neither paid the arrears in full nor entered into a repayment agreement to repay the arrears, a 14-day notice to terminate tenancy as of the day after the notice Page 18

was issued, shall be issued to the tenant (refer to the section of this policy that deals with termination of tenancy). The final notice shall either: a) Be delivered by hand to an adult person living in the rental property; or b) Shall be securely fastened to the front door of the property with a third-party as witness to the delivery of the notice. 19.3.5 The housing manager shall cease termination of tenancy action only where the tenant pays the total accumulated amount of rent arrears in full by cash or bank draft before the expiration of the 14 day notice period. A repayment agreement shall not be accepted. 19.3.6 If after 14 days the tenant fails to pay the rent arrears in full, the housing manager shall request sign-off of the termination of tenancy/eviction notice by Council. On receipt of a motion from Council following a duly convened Council meeting, the housing manager shall proceed with termination of tenancy (eviction). 20.0 Repayment Agreement 20.1 The housing manager can temporarily stop the collection process where the tenant enters into a written agreement to repay the arrears (refer to Appendix E). The housing manager shall strive to establish a repayment agreement that does not create a financial hardship for the tenant but is a reasonable contribution towards the amount owing. 20.2 The repayment agreement (the agreement) shall include the amount of each payment installment and the date the payment is due. Where such an agreement is entered into the tenant shall pay a minimum of 15% of the account arrears by cash, money order or certified cheque on the date the agreement is entered into. 20.3 The agreement shall be signed by the tenant and the housing manager. The tenant shall be provided with one copy of the signed agreement and the original shall be kept on the tenant file. 20.4 If the tenant fails to honour the repayment agreement, the First Nation shall restart collection process for rental arrears at the fourth and final notice stage (policy section 20.4.4) immediately after an arrears payment is not made as agreed. The First Nation shall issue a final notice/14 day notice to terminate tenancy/eviction. The tenant shall not be permitted to enter into a repayment agreement and must pay the accumulated arrears in full by cash or bank draft before the expiration of the 14day notice period. If after 14 days the tenant fails to pay the rent arrears in full, the housing manager shall request sign-off of the termination of Page 19

tenancy/eviction notice by Council. On receipt of a motion from Council following a duly convened Council meeting, the housing manager shall proceed with termination of tenancy (eviction). 21.0 Termination of Tenancy by the Tenant 21.1 The tenant may terminate tenancy (terminate the Section 95 agreement) by giving the housing department 30 days written notice (one full tenancy month) before the date they shall terminate tenancy. For example a notice given before March 1 st shall be effective March 31 st a notice given after March 1st shall be effective April 30 th. The notice (refer to Appendix G for a sample termination notice) shall confirm: the address of the unit, the date that the tenant shall vacate the unit, the tenant s agreement to continue to pay in full all rent and other housing charges as required under the terms of the Section 95 agreement until the end of the calendar month that the notice is provided, and shall be signed by the tenant(s) and dated. 21.2 A notice to terminate tenancy shall be delivered in person to the housing department or by registered mail. If sent by registered mail the notice shall be considered to have been given on the fifth day after the date of mailing. 21.3 Where a tenant wishing to terminate tenancy has a Section 95 agreement that includes a rent-to-own option, when tenancy is terminated, the rent-to-own option shall also be terminated without any compensation due to the tenant. The rent to own option is not transferrable to another Beausoleil First Nation unit but can be transferrable to another family member. 21.4 Notwithstanding the above, the tenant and Beausoleil First Nation can agree to mutually terminate the Section 95 agreement at any time. 22.0 Termination of Tenancy by Beausoleil First Nation 22.1 Termination of Tenancy with Cause (Eviction) 22.1.1 Termination of tenancy with cause means that Beausoleil First Nation can terminate tenancy where the tenant has not lived up to their obligations under the terms of the Section 95 agreement. Termination of tenancy shall result in the tenant being evicted from the unit. Where tenancy is being terminated with cause, Beausoleil First Nation shall provide the tenant with a fourteen (14) day notice in writing. 22.1.2 Beausoleil First Nation may terminate tenancy for cause where the tenant has: Page 20

a) Failed to pay the rent in full on the day it is due; or b) Interfered in any significant manner with the reasonable enjoyment of either Beausoleil First Nation or another tenant; or c) Interfered in any significant manner with another lawful right, privilege or interest of Beausoleil First Nation or another tenant; or d) Performed illegal acts or carried on illegal trade, business or occupation in the premises; or e) Endangered persons or property in the Section 95 unit or complex; or f) Damaged the Section 95 unit or complex either willfully or negligently (including damage caused by their guests or their pets); or g) Seriously impaired the safety of another person in the Section 95 unit or complex; or h) Failed to maintain the premises and any property rented with it in a reasonably clean condition; or i) Permitted other unauthorized persons to live in the Section 95 unit or property; or j) Sublet or assigned the Section 95 property; or k) Used the premises for other than residential purposes. *Excludes written request/consent the First Nation 22.2 Notice to Terminate Tenancy 22.2.1 Where the reason for termination of tenancy is rental arrears, the notice processes and timeframes as noted within the rent collection section of this policy shall apply. For all other reasons to terminate tenancy with cause, prior to issuing the 14 day notice to terminate tenancy, the housing department shall issue two (2) written notices to the tenant to confirm the breach of the Section 95 agreement as follows: a) The first notice, which shall be signed and dated and issued within five (5) working days of confirmation of the breach shall include contact information and a deadline for the tenant to contact the housing department to respond to and identify options to resolve the breach. The housing department shall also make every effort to contact the tenant by telephone or hand deliver the notice at least once within the first week after the notice is mailed in an effort to resolve the breach. Where the tenant meets with the housing manager, the housing manager will identify options available to the tenant to resolve the arrears. Where the housing manager is aware of First Nation resources or support from external agencies that may assist the tenant in resolving the arrears, the housing manager shall advise the tenant and shall offer to speak to the First Nation department/external agency on behalf of the tenant. Where the tenant Page 21

agrees, the tenant shall sign a waiver authorizing the housing manager to share information related to the tenant s account/default; and b) Where the breach is not resolved to the satisfaction of the housing department within fifteen (15) working days after the first notice was issued, a second notice shall be issued to confirm that if the breach is not resolved to the satisfaction of the housing department within the deadline noted therein, the housing manager shall request approval from Council to issue the 14 day notice to terminate tenancy. 22.3 Approval to Terminate Tenancy (Eviction) 22.3.1 Council shall approve all eviction orders. Eviction shall be done only as a last resort and where the housing department can demonstrate that the housing policy was applied and due diligence was conducted. The housing department shall have evidence of written notices and documented efforts to meet with the tenant and counsel them on the consequences of failing to resolve the breach of the Section 95 agreement. 22.3.2 Where termination of tenancy with cause has been approved, a 14 day written notice to terminate tenancy (refer to Appendix H) shall be issued by Beausoleil First Nation to the tenant. The notice shall be signed by an authorized representative of Beausoleil First Nation and shall include: a) The date the notice is being sent; and b) The tenant s name(s); and c) The address of the premises concerned; and d) The date and time the tenant is required to vacate the unit; and e) Details of the cause for termination of the Section 95 agreement/ eviction that have amounted to a breach of the Section 95 agreement. 22.3.3 The notice shall be delivered to the tenant either by: a) Registered mail to the mailing address noted on the tenant file. If sent by registered mail the notice is considered to have been delivered on the fifth day after the date of mailing (the 14 day notice period shall commence on the sixth day after mailing); or b) By hand to an adult person living in the unit, with a third-party as witness to the delivery of the notice. 22.4 Suspending Termination of Tenancy for Rent Payment Arrears Where the reason for termination of the agreement is rent payment arrears, the housing manager shall cease the termination of tenancy action only where the tenant pays the total accumulated amount of rent arrears on the account in full by cash or bank draft before the expiration of the 14 day notice period. A repayment agreement shall not be accepted. Page 22